ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is M&T Bank Corp. ?
1
High Profitability with a Net Interest Margin of 9.98%
2
Positive results in Jun 25
- CASH AND EQV(HY) Highest at USD 4,237 MM
- OPERATING PROFIT(Q) Highest at USD 944 MM
- OPERATING PROFIT MARGIN(Q) Highest at 36.18 %
3
With ROA of 1.01%, it has a fair valuation with a 1.13 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -7.70%, its profits have risen by 2.8% ; the PEG ratio of the company is 3
4
Below par performance in long term as well as near term
- Along with generating -7.70% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to M&T Bank Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is M&T Bank Corp. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
M&T Bank Corp.
-7.7%
1.37
26.30%
S&P 500
13.22%
0.65
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.47%
EBIT Growth (5y)
8.87%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
36.55%
Pledged Shares
0
Institutional Holding
89.77%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.13
EV to EBIT
7.11
EV to EBITDA
6.32
EV to Capital Employed
1.21
EV to Sales
1.94
PEG Ratio
2.97
Dividend Yield
2.74%
ROCE (Latest)
17.05%
ROE (Latest)
9.09%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
CASH AND EQV(HY)
Highest at USD 4,237 MM
OPERATING PROFIT(Q)
Highest at USD 944 MM
OPERATING PROFIT MARGIN(Q)
Highest at 36.18 %
PRE-TAX PROFIT(Q)
Highest at USD 935 MM
EPS(Q)
Highest at USD 4.24
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for M&T Bank Corp.
Operating Profit
Highest at USD 944 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 36.18 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 935 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
EPS
Highest at USD 4.24
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 4,237 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for M&T Bank Corp.
Capital Adequacy Ratio
Lowest at 12.5%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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